November 29, 2021

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It’s Time to Fly

Best Credit Card Bonuses and Deals This Week: April 12, 2021

49 min read

This article is brought to you by the Personal Finance Insider team. It has not been reviewed, approved, or otherwise endorsed by any of the issuers listed. Some of the offers you see on the page are from our partners like Citi and American Express, but our coverage is always independent. Terms apply to the offers listed on this page.

April is roaring along with even more elevated credit card offers and promotions, plus brand-new cards and updated redemption options that are making it easier to earn and redeem rewards during the pandemic. If you’re thinking of applying for a new credit card, now is a great time to take advantage of a limited-time bonus.

The New United Quest℠ Card landed after much anticipation last week with an intro bonus of 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open, plus an additional 20,000 bonus miles after you spend $10,000 in the first 6 months It’s an excellent card to consider if you fly United, even occasionally, because it comes with an array of benefits that can far outweigh its $250 annual fee.

American Express boosted the offer on The Business Platinum Card® from American Express to 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases within your first 3 months of card membership, so it’s a good time to consider applying, especially if you’re starting to travel again and can use perks like airport lounge access, hotel elite status, and airline incidental fee credits.

If you’re looking to stock up on hotel points, there’s a new offer for the IHG® Rewards Club Premier Credit Card: 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening. You can use the welcome bonus reward night at IHG hotels that cost 40,000 points or less, just like the annual IHG reward night you receive each card anniversary.

There’s also good news if you have the Ink Business Preferred® Credit Card or Ink Business Plus® Credit Card (no longer available to new applicants). Through June 30, 2021, cardholders can redeem Ultimate Rewards points toward eligible home improvement store and shipping purchases through Pay Yourself Back at a rate of 1.25 cents per point. 

Don’t forget about ongoing elevated offers that aren’t expiring yet, including excellent bonuses on The Platinum Card® from American Express
, Amex Delta credit cards, Chase United credit cards, and Chase Ink Business cards.  

Regular APR

16.49% – 23.49% Variable

Credit Score

Good to Excellent

Featured Reward

80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open, plus an additional 20,000 bonus miles after you spend $10,000 in the first 6 months

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  • Pros & Cons
  • Details

  • Pros
    • Substantial sign-up bonus of up to 100,000 miles
    • A free first and second checked bag can save you and a companion up to $320 round-trip
    • Up to $125 in annual credits toward United purchases can offset half the annual fee
    • 5,000-mile award flight credit can help you stretch your United miles
    Cons
    • High $250 annual fee
    • Card doesn’t offer United Club lounge access or passes
    • Earn 80k bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, an additional 20k bonus miles after you spend $10,000 in the first 6 months
    • $250 Annual Fee
    • Earn 3X miles on United® purchases, 2X miles at restaurants, on select streaming services & all other travel, 1X on all other purchases
    • Earn 3X miles on United Airlines purchases
    • Earn 2X miles at restaurants and on select streaming services
    • Earn 2X miles on all other travel
    • Earn 1X mile on all other purchases
    • Each year, receive a $125 credit on United® purchases and two 5k-mile anniversary award flight credits. Terms apply.

    Chase United Quest Card: Earn up to 100,000 miles

    The New United Quest℠ Card is the latest addition to Chase’s lineup of United credit cards. With a $250 annual fee, the New United Quest℠ Card falls in between the United℠ Explorer Card (annual fee of $95, waived the first year) and the premium United Club℠ Infinite Card ($525 annual fee), and it comes with benefits that can make it well worth the yearly cost.

    Cardholders receive up to $125 in annual credits toward United purchases, a 5,000-mile credit on award flights up to two times a year after your first cardmember anniversary, and a free first and second checked bag on United flights for themselves and one companion on the same reservation. The card also offers up to $100 credit for the Global Entry or TSA PreCheck application fee, travel protections like primary car rental insurance, and complimentary upgrades on award tickets for Premier members.

    Regular APR

    14.24 – 22.24 Variable

    Credit Score

    Good to Excellent

    Featured Reward

    100,000 Membership Rewards® points after you spend $15,000 on eligible purchases within your first 3 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • More travel benefits than you’ll find on any other business credit card
    • Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass
    • Complimentary hotel elite status
    • Access to Amex concierge services
    Cons
    • Very high annual fee
    • Limited opportunities to earn bonus points
    • Annual statement credits won’t be useful for everyone
    • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
    • Get 50% more Membership Rewards® points. That’s an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
    • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
    • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
    • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
    • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
    • Terms Apply.

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    Amex Business Platinum card: Earn 100,000 Membership Rewards points

    The newest offer on the Amex Business Platinum Card is especially appealing if you’re stocking up on Membership Rewards points and planning to return to traveling soon. You can earn a welcome bonus of 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases within your first 3 months of card membership.

    The card also comes with a ton of valuable benefits, including up to $200 per calendar year in U.S. Dell credits, up to $200 per calendar year in airline incidental fee credits, and a 35% rebate when you redeem Amex Membership Rewards points for flights on your selected airline (or any business- or first-class ticket) through the Amex Travel Portal.

    Many Amex Business Platinum Card perks can also be found on the personal Platinum Card. If you’re not sure which card is right for you, have a look at our comparison of the Amex Platinum and Business Platinum for a full breakdown.

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Anniversary reward night can be worth more than the annual fee
    Cons
    • Could offer better rewards on non-IHG purchases
    • Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening
    • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
    • Earn up to 25 points total per $1 spent when you stay at an IHG hotel
    • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
    • Platinum Elite status as long as you remain a Premier card member
    • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
    • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

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    Chase IHG Rewards Premier Card: Earn 125,000 points plus a reward night

    New IHG® Rewards Club Premier Credit Card cardholders can earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening. The reward night is capped to hotels that cost up to 40,000 points per night, which effectively makes the bonus worth up to 165,000 IHG points. 

    Cardholders also receive a reward night (with the same cap) each account anniversary, automatic Platinum elite status, a fourth reward night on standard award stays of four consecutive nights or more, and up to a $100 credit toward the Global Entry or TSA PreCheck application fee.

    There’s an $89 annual fee, but it’s well worth it for the annual reward night alone. I recently used my IHG card’s annual reward night at the Kimpton Monaco Pittsburgh, and had I paid cash the room would have cost around $240 with tax.

    Regular APR

    17.24% to 24.49% variable

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 100,000 bonus miles once you spend $20,000 on purchases within the first 12 months from account opening (or 50,000 miles if you spend $3,000 on purchases within the first 3 months)

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  • Pros & Cons
  • Details

  • Pros
    • No bonus categories to keep track of
    • Includes up to a $100 statement credit for Global Entry or TSA PreCheck
    Cons
    • Other credit cards offer higher rewards in certain categories of spending
    • Annual Fee: $95
    • Welcome Bonus: 100,000 bonus miles once you spend $20,000 on purchases within the first 12 months from account opening (or 50,000 miles if you spend $3,000 on purchases within the first 3 months)

    Read Our Review
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    Capital One Venture Rewards card: Earn up to 100,000 miles

    The whopper bonus on the Capital One Venture Rewards Credit Card is back for a limited time: Earn 100,000 bonus miles once you spend $20,000 on purchases within the first 12 months from account opening (or 50,000 miles if you spend $3,000 on purchases within the first 3 months). If you decide to go for the full bonus, you’ll actually earn a total of 140,000 Venture miles — 100,000 from the bonus, and another 40,000 from spending $20,000 to reach the spending requirement.

    The Capital One Venture Rewards Credit Card is a terrific choice if you’re new to travel rewards, because you don’t have to worry about bonus categories or spending caps. The card earns a straight 2 miles per dollar on all purchases with no limits, and if you redeem your miles to “erase” travel purchases you’ve made with the card, they’re worth a flat 1 cent apiece.

    And it’s possible to get even higher value from your miles if you transfer them to Capital One’s travel partners and book award flights or hotel stays. Insider estimates Venture miles are worth, on average, 1.3 cents apiece, so 100,000 miles could be worth $1,300 or more in travel.

    Regular APR

    15.99%-22.99% Variable

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  • Pros & Cons
  • Details

  • Pros
    • High sign-up bonus starts you off with lots of points
    • Strong travel coverage
    Cons
    • Doesn’t offer a Global Entry/TSA PreCheck application fee credit
    • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
    • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
    • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

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    Chase Sapphire Preferred card: Earn 80,000 points plus up to $50 in grocery credits

    Chase has boosted the offer on the Chase Sapphire Preferred® Card to 80,000 points (worth $1,440 according to Insider’s valuation of Chase Ultimate Rewards) after you spend $4,000 on purchases in the first three months of opening your account. Plus, you can earn up to $50 in statement credits toward grocery store purchases in the first year of account opening, which effectively offsets more than half the card’s $95 annual fee.

    Only new applicants qualify for up to $50 in grocery store credits, but all Chase Sapphire cardholders can still earn bonus points on groceries, on up to $1,000 in spending per month, through April 30, 2021.

    Regular APR

    16.99%-23.99% Variable

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  • Pros & Cons
  • Details

  • Pros
    • Annual travel credit can effectively shave $300 off the annual fee if you use it
    • Strong travel insurance
    • Strong bonus rewards on travel and dining
    Cons
    • Very high annual fee
    • The new DoorDash statement credits may not be useful for everyone, which can make the recently increased annual fee harder to justify
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
    • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
    • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

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    Chase Sapphire Reserve: Earn 60,000 points points

    The premium sibling of the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® is offering 60,000 points after spending $4,000 on purchases in the first three months of account opening — an increase of 10,000 points over the usual offer. It also earns Chase Ultimate Rewards points, allows transfers to Chase airline and hotel partners, and offers the same variety of options for points redemption as the Chase Sapphire Preferred® Card.

    The Chase Sapphire Reserve® has a $550 annual fee — substantially higher than the Chase Sapphire Preferred® Card. However, if you can make use of the card’s additional benefits — especially if you’re traveling — the annual fee is certainly worth it. 

    Regular APR

    15.74% to 24.74% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 125,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months, plus up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months of Card membership.

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  • Pros & Cons
  • Details

  • Pros
    • Annual statement credits can save you money on Marriott stays
    • You get a free reward night each year after your account anniversary
    Cons
    • High annual fee
    • Other cards are more rewarding for earning points on your spending
    • Earn 125,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership. Offer Expires 5/12/2021.
    • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
    • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
    • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
    • Enjoy unlimited airport lounge visits when you enroll in Priority Pass(TM) Select membership.
    • No Foreign Transaction Fees.
    • $450 Annual Fee.
    • Terms Apply.

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    Amex Marriott Bonvoy Brilliant card: Earn 125,000 points and up to $200 in statement credits

    The Marriott Bonvoy Brilliant™ American Express® Card now comes with an increased welcome bonus: Earn 125,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months, plus up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months of Card membership. Although there’s a $450 annual fee (See Rates), if you make the most of the card’s statement credits, you could more than break even.

    Along with the welcome bonus, the Marriott Bonvoy Brilliant™ American Express® Card comes with up to $300 in statement credits each year toward Marriott Bonvoy hotel purchases — including room rates and on-site purchases like room service or spa treatments.

    The card also offers a perk that can be worth well more than the annual fee. Each year on your card anniversary, you’ll receive a free night certificate valid at Marriott hotels that cost 50,000 points or less — plus, cardholders receive automatic Marriott Gold elite status, a Priority Pass Select membership for airport lounge access, a Global Entry or TSA PreCheck application fee credit, and up to $100 property credit when booking eligible paid stays of two nights or more at Ritz-Carlton and St. Regis hotels. 

    Insider pegs Marriott Bonvoy points as worth 0.7 cents apiece on average, so you can expect to get $875 in value from the welcome bonus points — not including the statement credit.

    Regular APR

    15.74% – 24.74%

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 100,000 bonus Marriott Bonvoy points, plus up to $150 back in statement credits, after you use your new Card to make $5,000 of eligible purchases within the first 3 months of Card membership

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  • Pros & Cons
  • Details

  • Pros
    • Comes with a free night reward every year after your account anniversary
    • Earns 4x points on several bonus spending categories, including U.S. purchases for shipping and U.S. restaurants
    Cons
    • The complimentary Silver elite status isn’t very valuable
    • Not the best option for earning rewards on non-bonus category purchases
    • Limited Time Offer: Earn 100,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership. Offer ends 5/12/21.
    • 6x points at participating Marriott Bonvoy hotels.
    • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
    • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
    • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
    • Terms apply.

    Amex Marriott Bonvoy Business card: Earn 100,000 points and up to $150 in statement credits

    There’s a new welcome offer on the Marriott Bonvoy Business™ American Express® Card: Earn 100,000 bonus Marriott Bonvoy points, plus up to $150 back in statement credits, after you use your new Card to make $5,000 of eligible purchases within the first 3 months of Card membership. It’s worth considering if you’re a small-business owner who likes staying at Marriott Bonvoy hotels, especially because the statement credit more than offsets the $125 annual fee (See Rates).

    This is one of the highest offers we’ve seen for this card, and the statement credit could make a difference for those who want to minimize their out-of-pocket costs. Cardholders receive an annual free night each card anniversary, valid at Marriott hotels that cost up to 35,000 points per night.

    At an average value of 0.7 cents apiece, you can expect to get $700 in value from the welcome bonus points even before the statement credit.

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 40,000 points after you spend $1,000 on purchases in the first 3 months, plus 3X points on dining, including takeout and eligible delivery services, for the first year

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  • Pros & Cons
  • Details

  • Pros
    • Earns Southwest points on every purchase
    • You get 3,000 points every year after your cardmember anniversary
    Cons
    • Charges foreign transaction fees
    • Very limited benefits
    • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
    • 3,000 bonus points after your Cardmember anniversary each year.
    • Earn 2 points per $1 spent on Southwest® purchases.
    • Earn 1 point per $1 spent on all other purchases.
    • All points earned count towards Companion Pass.
    • No blackout dates or seat restrictions.
    • Your points never expire, a benefit of the Rapid Rewards® program.


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    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 40,000 points after you spend $1,000 on purchases in the first 3 months, plus 3X points on dining, including takeout and eligible delivery services, for the first year

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details

  • Pros
    • You get 6,000 points each year after anniversary
    • You can earn Tier-Qualifying Points toward Southwest elite status for spending on the card
    Cons
    • Only offers bonus points on Southwest purchases
    • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
    • 6,000 bonus points after your Cardmember anniversary each year.
    • Earn 2 points per $1 spent on Southwest® purchases.
    • Earn 1 point per $1 spent on all other purchases.
    • All points earned count towards Companion Pass®.
    • No foreign transaction fees.
    • No blackout dates or seat restrictions.
    • Your points never expire, a benefit of the Rapid Rewards® program.

    Read Our Review
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    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 40,000 points after you spend $5,000 on purchases in the first 3 months, plus 3X points on dining, including takeout and eligible delivery services, for the first year

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  • Pros & Cons
  • Details

  • Pros
    • Generous annual benefits, including a Southwest travel credit and 7,500 points, plus upgraded boardings and in-flight discounts
    • If you fly Southwest several times a year, the benefits easily outweigh the annual fee
    • Annual fee is low compared to other premium airline credit cards
    Cons
    • Highest annual fee among Southwest consumer cards
    • Doesn’t offer bonus points on non-Southwest purchases
    • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
    • 7,500 bonus points after your Cardmember anniversary each year.
    • $75 Southwest® travel credit each year.
    • 4 Upgraded Boardings per year when available.
    • 20% back on in-flight drinks and WiFi.
    • Earn 2 points per $1 spent on Southwest® purchases.
    • Earn 1 point per $1 spent on all other purchases.
    • No foreign transaction fees.

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    Chase Southwest personal cards: Earn 40,000 points and 3x on dining

    If you missed the last elevated offer on the Chase Southwest personal cards, you’ve got another opportunity to earn an improved bonus. 

    All three cards have the same limited-time offer: Earn 40,000 points after you spend $1,000 on purchases in the first 3 months, plus 3X points on dining, including takeout and eligible delivery services, for the first year. Insider values Southwest points at 1.5 cents apiece, on average, so 40,000 Southwest points are worth about $600 in airfare — and the points you earn qualify toward earning the Southwest Companion Pass.

    Normally, you’d need to earn 125,000 qualifying points in a calendar year (or fly 100 one-way flights) to unlock the Companion Pass, and points earned from Southwest credit cards count toward the requirement. For 2021, Rapid Rewards members with active accounts as of December 31, 2020, have been credited 25,000 out of the required 125,000 points (and 25 qualifying flights) automatically — effectively reducing the Companion Pass requirement to just 100,000 points or 75 flights this year.

    Southwest points never expire, so if you’re interested in earning these bonuses now, you can wait to redeem your points until you’re ready to travel again.

    Annual Fee

    $99, waived for the first year

    Regular APR

    15.74% to 24.74% variable APR

    Featured Reward

    70,000 bonus miles after you spend $2,000 in purchases in your first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Earns bonus miles at restaurants and US supermarkets
    • Annual fee is waived the first year
    • You get a free checked bag and Main Cabin 1 Priority Boarding on Delta flights
    Cons
    • Doesn’t go above and beyond in terms of benefits beyond Delta perks
    • Limited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer expires 4/28/2021.
    • Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
    • Earn 1X Mile on all other eligible purchases.
    • Enjoy your first checked bag free on Delta flights.
    • Earn now. Travel when you’re ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit on your Card to inspire your next travel.
    • Enjoy a $0 introductory Annual Fee for the first year, then $99.
    • Terms Apply.

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    Amex Delta SkyMiles Gold: Earn 70,000 miles

    If you fly Delta occasionally, the Delta SkyMiles® Gold American Express Card is a great choice.

    You’ll earn 70,000 bonus miles after you spend $2,000 in purchases in your first 3 months from account opening, and receive a free first checked bag on Delta flights for yourself and up to eight companions on the same reservation (worth $30 per bag), priority boarding, a 20% discount on inflight purchases, and a $100 Delta flight credit after you spend $10,000 on the card in a calendar year. There’s an annual fee of $99, waived for the first year (See Rates).

    Delta miles are worth an average of 1.1 cents each according to Insider’s SkyMiles valuations, so you can expect to get at least $770 in flights from this welcome bonus.

    Regular APR

    15.74% to 24.74%

    Credit Score

    Good to Excellent

    Featured Reward

    90,000 bonus miles after you spend $3,000 in purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Earns bonus miles at restaurants and US supermarkets
    • Annual companion certificate can help you recoup most, if not all, of the annual fee
    • You get a free checked bag and priority boarding on Delta flights
    Cons

    • Limited Time Offer: Earn 90,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 4/28/2021.
    • Accelerate your path to Medallion Status, with Status Boost®. Plus, in 2021 you can earn even more bonus Medallion® Qualification Miles (MQMs) to help you reach Medallion Status.
    • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
    • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
    • Earn 1X Miles on all other eligible purchases.
    • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.*Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
    • Enjoy your first checked bag free on Delta flights.
    • Fee Credit for Global Entry or TSA Pre✓®.
    • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
    • No Foreign Transaction Fees.
    • $250 Annual Fee.
    • Terms Apply.

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    Amex Delta SkyMiles Platinum: Earn 90,000 miles

    The Delta SkyMiles® Platinum American Express Card offers a bonus of 90,000 bonus miles after you spend $3,000 in purchases in the first 3 months from account opening, and cardholders receive the same checked bag, priority boarding, and inflight discount benefits as the Delta SkyMiles® Gold American Express Card.

    The card also comes with an annual companion certificate each card anniversary, a Global Entry or TSA PreCheck application fee credit of up to $100, and discounted access to Sky Club lounges. There’s a $250 annual fee (See Rates).

    At an average value of 1.1 cents apiece for Delta miles according to our valuations, you can expect this 90,000-mile bonus to get you flights worth $990. 

    Regular APR

    15.74% to 24.74% variable APR

    Featured Reward

    Earn 80,000 bonus miles and 20,000 MQMs after you spend $5,000 in purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Annual companion certificate benefit, which is valid for domestic first class and Comfort+ as well as the main cabin
    • Access to Delta Sky Clubs and American Express Centurion Lounges when you’re flying Delta
    • Earns 3x miles on Delta purchases
    Cons
    • Very high annual fee
    • Doesn’t offer bonus miles on non-Delta purchases
    • Limited Time Offer: Earn 80,000 bonus miles and 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months. Offer expires 4/28/2021.
    • Accelerate your path to Medallion Status, with Status Boost®. Plus, in 2021 you can earn even more bonus MQMs to help you reach Medallion Status.
    • Complimentary access into the Delta SkyClubs® for you when traveling on a Delta flight.
    • Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
    • Fee Credit for Global Entry or TSA Pre✓®.
    • Enjoy your first checked bag free on Delta flights.
    • Earn 3X Miles on Delta purchases.
    • Earn 1X Miles on all other eligible purchases.
    • No Foreign Transaction Fees.
    • $550 annual fee.
    • Terms Apply.

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    Amex Delta SkyMiles Reserve: Earn 80,000 miles and 20,000 MQMs

    The Delta SkyMiles® Reserve American Express Card comes with a $550 annual fee (See Rates), but it’s worth it if you fly Delta often. 80,000 Delta miles are worth about $880 in flights based on Insider’s valuations.

    You’ll receive access to Delta Sky Club airport lounges when flying Delta, and access to Amex Centurion Lounges when you fly Delta and use your card to book the ticket. You’ll also get two Delta Sky Club one-time guest passes each year, up to $100 for a Global Entry or TSA PreCheck application fee credit, and access to complimentary upgrades for non-elite Delta members.

    Annual Fee

    $99, waived the first year

    Regular APR

    15.74% to 24.74% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    70,000 bonus miles and a $50 statement credit after you spend $2,000 in purchases on the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Annual fee waived the first year
    • Earns bonus miles on select business-related purchases as well as on Delta purchases
    • Get a free checked bag and Main Cabin 1 Priority Boarding on Delta flights
    Cons
    • Doesn’t earn bonus miles on common expenses like dining
    • Limited Time Offer: Earn 70,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months. Offer Ends 4/28/21.
    • Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
    • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases.
    • Check or stow your bag with ease: First Checked Bag Free + Main Cabin 1 Priority Boarding.
    • Pay no foreign transaction fees when you travel overseas.
    • $0 introductory annual fee for the first year, then $99.
    • Terms and limitations apply.

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    Amex Delta SkyMiles Gold Business: Earn 70,000 miles and a $50 statement credit

    Small-business owners who fly Delta occasionally should consider the Delta SkyMiles® Gold Business American Express Card, with a welcome bonus of 70,000 bonus miles and a $50 statement credit after you spend $2,000 in purchases on the first 3 months from account opening.

    This card comes with most of the same perks as the personal Delta SkyMiles® Gold American Express Card, including a free checked bag, priority boarding, and inflight discounts on Delta flights, as well as up to $100 Delta flight credit after you spend $10,000 on the card in a calendar year. There’s an annual fee of $99, waived the first year (See Rates).

    Regular APR

    15.74% to 24.74% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    90,000 bonus miles and a $100 statement credit after you spend $3,000 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • First bag checked free and Main Cabin 1 Priority Boarding on Delta flights
    • Annual companion certificate benefit helps you recoup the annual fee
    • You can earn MQMs toward Delta elite status by meeting annual spending thresholds
    • Application fee credit of up to $100 for Global Entry or TSA PreCheck
    Cons
    • Doesn’t earn bonus miles on everyday purchase categories like dining and office supply stores

    • Limited Time Offer: Earn 90,000 bonus miles and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months. Offer Ends 4/28/21.
    • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
    • Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
    • With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status. Plus, throughout 2021 earn an additional 2,500 MQMs after making $25,000 in purchases, up to 2x. That’s in addition to the 10,000 MQMs that you would earn with Status Boost.
    • Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding.
    • Terms and limitations apply.

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    Amex Delta SkyMiles Platinum Business: Earn 90,000 miles and a $100 statement credit

    The Delta SkyMiles® Platinum Business American Express Card is offering 90,000 bonus miles and a $100 statement credit after you spend $3,000 on purchases in the first 3 months from account opening, and cardholders receive the same perks as the personal version of the card, including a free checked bag, priority boarding, and inflight discounts on Delta, and an annual companion certificate. There’s a $250 annual fee (See Rates).

    One additional benefit is the ability to earn 1.5x miles on single eligible purchases of $5,000 or more (up to 50,000 additional miles per calendar year). Cardholders also earn 3x miles on Delta purchases and on purchases made directly with hotels.

    Regular APR

    15.74% to 24.74% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    80,000 bonus miles, 20,000 MQMs, and a $200 statement credit after you spend $5,000 in purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Annual companion certificate that works in domestic first class
    • Access to Delta Sky Clubs and American Express Centurion Lounges when you’re flying Delta
    • Earns 3x miles on Delta purchases
    Cons
    • Very high annual fee
    • No bonus miles on non-Delta purchases
    • Limited Time Offer: Earn 80,000 bonus miles, 20,000 Medallion® Qualification Miles (MQMs), and a $200 statement credit after spending $5,000 in purchases on your new Card in your first 3 months. Offer Ends 4/28/21.
    • With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your card in a calendar year, up to 4x per year getting you closer to Medallion Status. Plus, throughout 2021 earn an additional 3,750 MQMs after making $30,000 in purchases, up to 4x. That’s in addition to the 15,000 MQMs that you would earn with Status Boost.
    • Complimentary Delta Sky Club® Access and complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
    • After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
    • Pay no foreign transaction fees when you spend overseas.
    • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
    • Terms and limitations apply.

    Amex Delta SkyMiles Reserve Business: Earn 80,000 miles, a $200 statement credit, and 20,000 MQMs

    The Delta SkyMiles® Reserve Business American Express Card comes with a bonus of 80,000 bonus miles, 20,000 MQMs, and a $200 statement credit after you spend $5,000 in purchases in the first 3 months from account opening.

    Like the personal version, you’ll get access to Delta Sky Club airport lounges when flying Delta, and access to Amex Centurion Lounges when you fly Delta and use your card to book the ticket. The card has a $550 annual fee (See Rates).

    Annual Fee

    $95, waived the first year

    Regular APR

    16.49% to 23.49% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open, plus 25,000 bonus miles after you spend $10,000 in the first 6 months

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  • Pros & Cons
  • Details

  • Pros
    • Annual fee is waived the first year
    • Earns bonus miles on several purchase categories, including restaurants
    • Includes an application fee credit for Global Entry or TSA PreCheck
    • Gets you a free checked bag on United when you pay with the card
    Cons
    • Not the most rewarding card for most non-United travel purchases
    • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus, an additional 25,000 bonus miles after you spend $10,000 in the first 6 months
    • $0 introductory annual fee for the first year, then $95
    • Earn 2 miles per $1 spent at restaurants, on hotel stays, and on United purchases
    • Up to $100 Global Entry or TSA PreCheck® fee Credit
    • 25% back on United inflight purchases
    • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
    • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
    • Earn 2 miles per $1 spent at restaurants and eligible delivery services

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    United Explorer card: Earn up to 65,000 miles

    The United℠ Explorer Card is the best all-around card for United flyers, because, on United flights, cardholders and a companion on the same reservation receive a free first checked bag when they pay with the card. You’ll also get priority boarding, a 25% discount on inflight food, beverage, and Wi-Fi purchases, and two one-time United Club passes each anniversary year (worth $59 apiece).

    Normally, the bonus on the United℠ Explorer Card is 40,000 miles after meeting minimum spending requirements, but the new offer is 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open, plus 25,000 bonus miles after you spend $10,000 in the first 6 months. The annual fee is $95, waived the first year, and you’ll also get up to $100 in statement credit for the Global Entry or TSA PreCheck application fee every four years.

    Insider pegs the value of United miles at 1.3 cents each on average, so this welcome bonus is worth around $845 in flights.

    Regular APR

    16.49% – 23.49% Variable

    Featured Reward

    75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Great sign-up bonus
    • If you want United Club membership, this card gets you it for less than buying it outright
    • Get two free checked bags on United
    • Earns 4x miles on United purchases
    Cons
    • Steep annual fee, especially for an airline credit card
    • The non-United bonus categories (travel and dining) only earn 2x miles
    • Earn 75,000 Bonus Miles
    • Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges
    • Earn 2 miles per $1 spent on all other travel
    • Earn 2 miles per $1 spent on dining at restaurants and eligible delivery services
    • Earn 1 mile per $1 spent on all other purchases
    • Up to $100 Global Entry or TSA PreCheck® fee credit
    • Free first and second checked bags – a savings of up to $320 per roundtrip. Terms Apply
    • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flight when you pay with your Club Card

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    United Club Infinite card: Earn 75,000 miles

    If you fly United frequently and enjoy airport lounge access, you should consider the United Club℠ Infinite Card, with a new bonus of 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening. There’s a $525 annual fee, but in return, cardholders receive a full United Club airport lounge membership. Normally, a membership costs $650, so this is a better deal compared to paying directly for this privilege.

    Cardholders receive up to two free checked bags for the cardholder and one companion on United flights, Premier Access (priority check-in, security screening, boarding, and baggage handling when flying United), and a 25% discount on inflight food, beverages, and Wi-Fi aboard United-operated flights. If you have United Premier elite status and are traveling on an award ticket, you’ll also be eligible for complimentary Premier upgrades on United-operated flights, subject to availability.

    75,000 United miles are worth about $975 in flights, based on Insider’s latest valuations.

    Annual Fee

    $99, waived the first year

    Regular APR

    16.49%–23.49% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    75,000 bonus miles after $5,000 in purchases within the first 3 months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Solid travel benefits with United, including a free checked bag and priority boarding
    • $100 annual United travel credit is relatively easy to earn
    Cons
    • Beyond the sign-up bonus, it will take a while to earn a lot of miles through everyday spending on this card
    • 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
    • $0 introductory annual fee for the first year, then $99.
    • Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal United credit card.
    • Earn 2 miles per $1 spent on United purchases, at restaurants (including eligible delivery services), gas stations, office supply stores, and on local transit and commuting.
    • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
    • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket.
    • Enjoy priority boarding privileges and get 2 United Club℠ one-time passes at account opening and each year for your anniversary.
    • $100 United travel credit after 7 United flight purchases of $100 or more each anniversary year.

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    United Business card: Earn 75,000 miles

    Small-business owners should consider the increased bonus on the United℠ Business Card, which is offering 75,000 bonus miles after $5,000 in purchases within the first 3 months of account opening. The annual fee is $99, waived the first year, which makes this an even better deal, considering the normal bonus on the card is just 60,000 miles.

    Along with many of the same benefits as the personal United℠ Explorer Card (free checked bag, priority boarding, two one-time United Club passes each anniversary year, Global Entry or TSA PreCheck application fee credit), the United℠ Business Card throws in some additional perks. 

    If you make seven or more United flight travel-related purchases of at least $100 in an account anniversary year with your United℠ Business Card, you will receive a $100 statement credit. And if you also have a personal Chase United card (like the United℠ Explorer Card or United Gateway℠ Card), you’ll receive a “better-together anniversary bonus” of 5,000 United miles each anniversary of your United℠ Business Card.

    Regular APR

    16.49% – 23.49% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    20,000 miles after you spend $1,000 on purchases in the first three months of account opening

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  • Pros & Cons
  • Details

    • Earn 20,000 bonus miles
    • No annual fee
    • Earn 2 miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting
    • Earn 2 miles per $1 spent on United Airlines purchases
    • Earn 2 miles per $1 spent at gas stations
    • Earn 2 miles per $1 spent on local transit and commuting
    • Earn 1 mile per $1 spent on all other purchases
    • Earn 3 miles per $1 spent at grocery stores, on up to $1,500 per month through 9/30/2021

    United Gateway card: Earn 20,000 miles

    The United Gateway℠ Card isn’t as flashy as other United cards, and it usually only offers a welcome bonus of 10,000 miles after meeting minimum spending requirements. But right now, the bonus has been doubled to 20,000 miles after you spend $1,000 on purchases in the first three months of account opening — not a bad deal for a card with no annual fee. At an average value of 1.3 cents per United mile, this bonus is worth around $260 in flights.

    The United Gateway℠ Card doesn’t offer many travel benefits, except a 25% discount on inflight purchases and no foreign transaction fees. However, this card is an excellent choice if you don’t want to pay an annual fee but still want access to expanded award availability on United flights.

    Annual Fee

    $95 (waived the first year)

    Regular APR

    13.99% to 23.99% variable APR

    Featured Reward

    $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months

    Intro APR

    0% intro APR on purchases for 12 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Generous bonus rewards, especially at US supermarkets
    • One of a small handful of credit cards that offer bonus rewards on select streaming services
    • Intro APR offer
    Cons
    • Unlike many other cash-back cards, it charges an annual fee
    • If you spend more than $6,000 at US supermarkets each year, you’ll want to use another card once you reach that cap
    • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
    • $0 introductory annual fee for one year, then $95.
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on select U.S. streaming subscriptions.
    • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms Apply.

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    Amex Blue Cash Preferred Card: Earn a $300 bonus

    If you like earning cash back and spend a lot on groceries and streaming services, the Blue Cash Preferred® Card from American Express is tough to beat. It’s now offering up to a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months, and earns 6% back at U.S. supermarkets on up to $6,000 in spending per calendar year (then 1%).

    You’ll also earn 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis, rideshares, parking, tolls, trains, and buses), and 1% cash back on everything else. If you max out the $6,000 limit at U.S. supermarkets, you could earn up to $360 in cash back each year just from that category alone — that’s more than enough to offset the annual fee of $95 (waived the first year) (See Rates).

     

    Regular APR

    See Pay Over Time APR

    Featured Reward

    60,000 points after you spend at least $4,000 in your first 6 months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Great rewards for dining and for shopping at US supermarkets
    • Monthly statement credit for eligible dining purchases recoups some of the annual fee
    Cons
    • Underwhelming welcome bonus
    • Rose Gold is back. You can now choose between Gold or Rose Gold.
    • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
    • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
    • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
    • $120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
    • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
    • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.

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    American Express Gold Card: Earn 60,000 points, new Uber Cash credits and design

    The increased welcome bonus on the American Express® Gold Card has stuck around for a while, but there’s a new reason to consider this offer. Amex added up to $120 in Uber Cash credits (up to $10 per month) per calendar year for new and existing cardholders (the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit, and is only applicable to US Eats and Rides), and brought back the immensely popular rose gold card design as a permanent option.

    Along with 60,000 points after you spend at least $4,000 in your first 6 months of account opening (worth around $1,080 based on Insider’s valuations), the American Express® Gold Card earns 4x Membership Rewards points on up to $25,000 spent at U.S. supermarkets each calendar year (then 1x). This perk alone puts the card high on our list of top cards for buying groceries.

    It’s also a good card for dining because it earns 4x points at restaurants worldwide (including takeout and delivery) with no cap, and also offers up to $120 a year in dining credit at participating restaurants and food-delivery services like Cheesecake Factory, GrubHub, and Seamless.

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn a Travel Together Ticket after you spend $20,000 total on purchases within your first year of account opening

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  • Pros & Cons
  • Details

  • Pros
    • 3 Avios per dollar on British Airways purchases is a generous earning rate
    • You can receive up to $600 in statement credits per year when you book an award flight to London and pay the taxes and fees with this card
    Cons
    • Earning full sign-up bonus requires spending $20,000 total in your first account year
    • Not the most rewarding card for non-British Airways purchases
    • Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening.
    • Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.
    • Earn up to 3 Avios per $1
    • Up to $600 Reward Flight Statement Credits
    • Every calendar year you make $30,000 in purchases on your British Airways Visa Signature card, you will earn a Travel Together Ticket good for two years
    • No foreign transaction fees
    • Tap to Pay

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    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Substantial welcome bonus and generous earning rate on Aer Lingus, British Airways, Iberia, and LEVEL purchases
    • Opportunity to earn a companion ticket each calendar year
    Cons
    • Earning the full sign-up bonus requires spending $20,000 total in your first account year
    • Companion ticket requires $30,000 in spending in a calendar year
    • Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening.
    • Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.
    • Earn 5 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios.
    • Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases.
    • Every calendar year you make purchases of $30,000 on your Aer Lingus Visa Signature Card, you’ll receive a Commercial Companion Ticket good for 12 months
    • You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland.
    • Pay no foreign transaction fees when you travel abroad.
    • Simply tap to pay with your contactless Aer Lingus Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Substantial welcome bonus and generous earning rate on Iberia, British Airways, Aer Lingus, and LEVEL purchases
    • Opportunity to earn a $1,000 Iberia flight discount voucher each calendar year
    Cons
    • Earning the full sign-up bonus requires spending $20,000 total in your first account year
    • Discount voucher requires $30,000 in spending in a calendar year
    • Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening.
    • Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.
    • Earn 5 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios.
    • Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases.
    • Save 10% on Iberia flights purchased on iberia.com/Chase10
    • Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card
    • Pay no foreign transaction fees when you travel abroad.
    • Simply tap to pay with your contactless Iberia Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!

    Chase British Airways, Aer Lingus, Iberia cards: New bonuses and earning

    If you collect Avios points with British Airways, Aer Lingus, or Iberia, the British Airways Visa Signature® Card, Aer Lingus Visa Signature® Card, and Iberia Visa Signature® Card are worth a fresh look with new bonuses and spending offers:

    British Airways Visa Signature® Card: Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn a Travel Together Ticket after you spend $20,000 total on purchases within your first year of account opening (worth up to $1,300 in airfare based on Insider’s valuation of Avios points at 1.3 cents each on average).

    Chase Aer Lingus Visa Signature® Card: Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.

    Iberia Visa Signature® Card: Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.

    Plus, the cards have added elevated earning rates in certain categories as part of their welcome bonuses. New cardholders can earn 5 Avios per dollar on British Airways, Aer Lingus, and Iberia purchases and 3 Avios per dollar on accommodations booked directly with hotels in the first year of account opening (then 3x and 2x, respectively).

    Regular APR

    See Pay Over Time APR

    Featured Reward

    75,000 points after you spend at least $5,000 in your first 6 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott
    • Annual statement credits with Saks and Uber
    Cons
    • Bonus categories leave something to be desired
    • One of the highest annual fees among premium travel cards
    • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
    • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
    • Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
    • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
    • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties. Learn More.
    • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
    • $550 annual fee.
    • Terms Apply.

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    Amex Platinum card: Earn 75,000 Membership Rewards points

    The elevated welcome offer on The Platinum Card® from American Express is still active, but it won’t be around forever. In addition to the welcome bonus of 75,000 points after you spend at least $5,000 in your first 6 months of card membership (worth $1,350 based on Insider’s valuations), new cardholders can earn 10 points per dollar spent at U.S. gas stations and U.S. supermarkets, on up to $15,000 in combined spending (then 1x) in the first six months of account opening.

    Even if you’re not traveling right now, the Amex Platinum 75k bonus is worth considering: Between up to $200 in Uber credits (including Uber Eats) and up to $100 in Saks credits each calendar year, plus the ability to use Membership Rewards points for a wide variety of redemptions (including many that don’t involve travel), it’s easy to get a ton of value from Platinum Card

    Regular APR

    13.24%–19.24% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
    • Intro APR offer
    • No annual fee
    Cons
    • You can earn more cash back on some purchases with a card that has bonus categories

    • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
    • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
    • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
    • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
    • 0% introductory APR for 12 months on purchases

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    Regular APR

    13.24%–19.24% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
    • Intro APR offer for purchases
    • No annual fee
    • You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
    Cons
    • Annual cap on bonus categories
    • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
    • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
    • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
    • 0% introductory APR for 12 months on purchases

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    Chase Ink Business Unlimited and Ink Business Cash: Earn $750 cash back

    The Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card increased welcome offers to earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening are still active this week.

    Small-business owners who want to earn lots of rewards in the new year can benefit from these all-time-high offers. Keep in mind the Chase Ultimate Rewards points you’ll earn from these cards aren’t just good for cash back — you’ve got options to redeem for travel, and even more flexibility (like transferring to Chase airline and hotel partners) if you also have the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card in your wallet.

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar spent on purchases that normally earn 1 point, up to $15,000 in the first six months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Valuable annual reward night
    • Hyatt points are valuable, and this card earns 2x points on several bonus categories
    • If you spend a lot on this card, you can earn a second free night
    Cons
    • Not too many extra benefits
    • The information related to the The World Of Hyatt Credit Card has been collected by Business Insider and has not been reviewed by the issuer.
    • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
    • Receive 1 free night at any Category 1-4 Hyatt hotel or resort after your Cardmember anniversary
    • Receive complimentary World of Hyatt Discoverist status for as long as your account is open
    • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
    • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
    • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
    • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
    • Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

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    The World of Hyatt Credit Card: Earn up to 60,000 points

    We haven’t seen changes to The World Of Hyatt Credit Card in a long time, so this new bonus to earn up to 60,000 Hyatt points could be welcome news — if you’re a big spender.

    You’ll earn 30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar spent on purchases that normally earn 1 point, up to $15,000 in the first six months of account opening, worth around $900 based on Insider’s valuations. The previous offer was for up to 50,000 points but the spending requirement was much lower.

    Jasmin Baron is an associate editor at Personal Finance Insider, where she helps readers maximize rewards and find the best credit cards to fit their lifestyles. She has covered credit cards, points and miles, and loyalty programs for over seven years, and she’s a Certified Educator in Personal Finance (CEPF).

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